Condo vs. Rowhome in Philadelphia: Which One Should You Buy?

If you’re thinking about buying in Philadelphia, one of the biggest questions you’ll face is whether to go for a condo or a rowhome. Both have their perks — and their tradeoffs — so it really comes down to your lifestyle, your budget, and your long-term goals.

The Case for Condos

Condos are all about convenience and amenities. You’ll often find them in prime locations close to Center City, major transit lines, and shopping districts. For first-time buyers or busy professionals, condos make sense because:

• Low-maintenance living: Your HOA handles the exterior, landscaping, and sometimes even utilities.

• Amenities at your doorstep: Think gyms, roof decks, doormen, or even pools.

• Entry price point: In some neighborhoods, condos can offer a more affordable way into the market compared to a full rowhome.

The catch? You’ll need to factor in monthly HOA fees and potential restrictions on renovations or rentals.

The Case for Rowhomes

Rowhomes are the quintessential Philadelphia property — blocks and blocks of brick facades and stoops. If you’re looking for more space and independence, a rowhome might be your best bet:

• No HOA fees: Your monthly mortgage payment is truly yours.

• More space and flexibility: Basements, patios, and roof decks are common.

• Long-term equity growth: Homes on their own land often appreciate faster than condos.

The flip side? Maintenance is all on you. From the roof to the plumbing, you’ll need to budget for repairs and upkeep.

Questions to Ask Yourself Before Deciding

• Do you want turn-key, low-maintenance living or do you enjoy projects and customization?

• Is your priority location and amenities or space and ownership freedom?

• How long do you plan to stay? If it’s just a few years, condo life might be easier. If it’s 7+ years, the equity from a rowhome could make more sense.

Bottom Line: 

There’s no one-size-fits-all answer. A condo can be a smart entry point into Philly real estate, while a rowhome offers long-term freedom and room to grow. It all depends on your lifestyle and goals.

At Rarity Real Estate, we help buyers weigh these trade-offs every day. If you’re deciding between a condo and a rowhome, we’d love to walk you through the options — and maybe even tour a few together.